Cashier

Position Overview

The Cashier role at Ujjivan Small Finance Bank is integral to the branch banking operations, carrying the responsibility for managing all cash-related transactions in compliance with banking standards. This full-time position reports directly to the Branch Operation Manager and is based at the branch location in Thiruvananthapuram, Kerala.

Key Responsibilities

• Ensure smooth and accurate processing of cash transactions and maintenance of customer accounts to support efficient branch operations.
• Manage the cash handling functions including receipt and processing of cheques, drafts, dividend warrants, and pay orders within authorized limits, with appropriate documentation.
• Disburse cash for withdrawal requests and collect cash deposits following bank procedures.
• Administer loan repayment collections as per EMI schedules, updating records in the banking system accordingly.
• Maintain and update various registers including inward/outward, petty cash, and assets, and submit requisitions to the Regional Head Office when needed.
• Conduct daily reconciliation of cash alongside transaction books and vouchers, reporting in the branch's end-of-day summary.
• Share responsibility with the operations officer for the secure handling and maintenance of the branch vault.
• Engage with customers during transactions, identifying opportunities to cross-sell banking products and services, and keep them informed about new offerings.
• Deliver exemplary customer service by addressing queries courteously and escalating complex issues appropriately.
• Educate customers on alternative banking channels for deposits, withdrawals, and inquiries.
• Ensure cash and valuables are securely held, and oversee the cash department’s operations to maintain smooth functioning.
• Adhere to turnaround times for transactions and comply with regulatory and internal banking policies related to cash management.
• Validate customer authenticity during withdrawal processes and verify the accuracy of deposit slip entries to meet audit requirements.
• Update passbooks for transactions as necessary and prepare cash bundles for currency chest deposits with proper documentation.
• Maintain up-to-date knowledge of bank products, regulations, and customer identification protocols.
• Participate in mandatory training and certification programs to enhance operational competencies.
• Contribute to performance management processes including goal setting and reviews within established timelines.

Qualifications and Skills

• Minimum qualification of any undergraduate degree, preferably in Finance or Commerce.
• At least 1-2 years of experience managing high-volume cash handling operations.
• Familiarity with financial software or ERP systems for data entry and transaction consolidation.
• Strong numerical aptitude and accuracy in cash accounting and detection of counterfeit currency.
• Competency with basic computer operations and willingness to learn bank-specific software.
• Ability to multitask efficiently and maintain methodical workflows.
• Good interpersonal and communication skills, with a customer-focused mindset.
• Positive attitude with attention to prompt execution and relationship management.

Interactions

• Collaborate internally with regional operations team, regional FCU officer, and service quality executive.
• Coordinate externally with neighboring banks, cash management agencies, and Business Correspondent (BC) agents.

Administrative Details

This is an internal document last revised on 27-03-2026 by the TM Team. The role falls under the branch banking department as grade AM-II, reporting to the Branch Operation Manager.